Apni Chat Apna Ghar 2025 | Apply Now for Rs. 1.5 Million Interest-Free Home Loan in Punjab
Apni Chat Apna Ghar 2025 is not just a housing scheme—it’s a vision to make home ownership a reality for thousands of low-income families across Punjab. Powered by interest-free loans up to Rs. 1.5 million, this initiative offers a once-in-a-lifetime opportunity to build a permanent shelter on your own land with affordable monthly installments and zero markup. This official guide will walk you through everything: eligibility, PMT score, online application process, subsidy details, approved cities, and more.
All Govt Schemes Updates 2025
Why Apni Chat Apna Ghar Is a Game Changer in 2025
Launched under the leadership of Punjab Chief Minister Maryam Nawaz, the Apni Chat Apna Ghar scheme is designed to combat urban overcrowding, poor housing conditions, and housing affordability issues in Punjab. With over 100,000 homes planned through three powerful execution models, this is Punjab’s most ambitious housing effort in recent years.
What makes this scheme unique?
- 60% government subsidy
- 40% down payment by beneficiary
- No interest charged
- Monthly installment as low as Rs. 14,000
- Up to 1.5 million in financial assistance
Who Can Apply? Eligibility Criteria for Apni Chat Apna Ghar
To qualify, you must meet the following:
- Be a resident of Punjab (as per NADRA)
- Be the head of the family
- Own 1–5 Marla plot in urban areas or 1–10 Marla in rural areas
- PMT (Poverty Score) must be below 60
- No active FIR, financial default, or criminal background
- Must be registered in the NSER database
Three Execution Models: Tailored for Every Home Seeker
1. Government-Led Housing Units (10,000 units)
- PHATA provides land and infrastructure
- Developers build homes under strict supervision
- No design modifications allowed
- Focus on quality and timely delivery
2. Private Developer Partnership (20,000 units)
- Homes built in private housing schemes under APHS rules
- Approvals managed through one-window operations
- Allotment after 5-year loan completion via Escrow system
3. Direct Interest-Free Loans (70,000 units)
- You build your own home on your land
- Apply through official portal: https://acag.punjab.gov.pk
- Tenure: 5–7 years
- Installments start after 3-month grace period
Districts & Cities Covered in the Scheme
The scheme is open in over 35 districts including:
Lahore, Rawalpindi, Multan, Faisalabad, Sialkot, Sargodha, Bahawalpur, DG Khan, Attock, Vehari, Gujranwala, Sheikhupura, Mianwali, Kasur, Toba Tek Singh, Okara, Khushab, and more.
Each city has an allocation quota based on housing needs and district population.
Loan Details & Installment Plan
| Loan Amount | Rs. 1.5 million (max) |
| Subsidy | 60% by Punjab Government |
| Down Payment | 40% by Beneficiary |
| Monthly Installment | Starts from Rs. 14,000 (affordable) |
| Repayment Period | 5 to 7 years |
| Installment Start | After 3-month grace period |
Installments are fixed to be equal to or lower than rent for similar-sized houses, making this an own-home-for-rent-price model.
Documents Required to Apply
To complete your application, you’ll need:
- Your full name (as per CNIC)
- CNIC number (applicant + head of family)
- Mobile number registered with CNIC
- Proof of property ownership
- Address (division, district, tehsil)
- Family registration/B-form (if applicable)
- Recent utility bill
How to Apply for Apni Chat Apna Ghar Scheme 2025– Step-by-Step Registration Guide
There are 3 ways to apply depending on your access:
1. Online Registration (Recommended)
- Visit: https://acag.punjab.gov.pk
- Click on “Register”
- Fill out the form with valid CNIC and family details
- Upload documents and submit
- Keep your tracking ID safe for status check
2. Toll-Free Number Registration
- Dial 0800-09100
- Provide your CNIC, land ownership, and contact info
- The operator will submit the form on your behalf
3. Offline Registration
- Visit the nearest Apni Chat Apna Ghar center
- Submit your documents in person
- Get confirmation slip and token
District Based Quota of Apni Chat Apna Ghar Loans
To ensure fair access across the province, the Apni Chat Apna Ghar Scheme 2025 has been carefully divided into regional zones, with each district allocated a specific loan quota under the supervision of PHATA (Punjab Housing and Town Planning Agency). The plan ensures that beneficiaries from both urban and rural Punjab can benefit proportionally based on population, land ownership trends, and development needs.
Below is a breakdown of loan allocations and housing unit targets for each zone and district:
Central Punjab Zone
PHATA Region: Bhakkar
| District | Loan Distribution | Total Units (PHATA Region) | Housing Packages |
| Bhakkar | 283 | ||
| Khushab | 243 | ||
| Layyah | 366 | ||
| Mianwali | 307 | ||
| Muzaffargarh | 714 | 1913 | 4423 |
PHATA Region: Faisalabad
| District | Loan Distribution |
| Chiniot | 313 |
| Faisalabad | 851 |
| Jhang | 451 |
| Sargodha | 520 |
| Toba Tek Singh | 376 |
Total Units for Faisalabad Region: 2,511
Northern Punjab Zone
PHATA Region: Lahore
| District | Loan Distribution |
| Gujranwala | 657 |
| Hafizabad | 302 |
| Kasur | 484 |
| Lahore | 1690 |
| Nankana Sahib | 314 |
| Narowal | 357 |
| Okara | 518 |
| Pakpattan | 401 |
| Sheikhupura | 512 |
| Sialkot | 570 |
Total Units for Lahore Region: 5,804
Packaged Units: 8,003
PHATA Region: Rawalpindi
| District | Loan Distribution |
| Attock | 287 |
| Chakwal | 263 |
| Gujrat | 466 |
| Jhelum | 225 |
| Mandi Bahauddin | 358 |
| Rawalpindi | 600 |
Total Units for Rawalpindi Region: 2,198
Southern Punjab Zone
PHATA Region: Bahawalpur
| District | Loan Distribution |
| Bahawalnagar | 454 |
| Bahawalpur | 517 |
| Rahim Yar Khan | 714 |
Total Units for Bahawalpur Region: 1,684
Packaged Units: 5,074
PHATA Region: Multan
| District | Loan Distribution |
| Dera Ghazi Khan | 498 |
| Khanewal | 458 |
| Lodhran | 380 |
| Multan | 726 |
| Rajanpur | 368 |
| Sahiwal | 443 |
| Vehari | 517 |
Total Units for Multan Region: 3,390
Overall Provincial Distribution
- Total Loans Allocated: 17,500
- Total Housing Units by Region:
- Central Punjab: 17,500
- North Punjab: 17,500
- South Punjab: 17,500
- Grand Total Target: 52,500 units (initial phase)
Beneficiary List 2025 – When & Where to Find It?
Once the application and verification process is complete, a public list of selected applicants will be published. Here’s how you can access it:
- Through the official PITB portal
- Notice boards at District Housing Units
- SMS updates to successful applicants
- Media announcements (local newspapers, social media)
Keep your tracking number safe so you can confirm your name in the list once it’s released.
Application Status Check – Track Your Apni Chat Apna Ghar Progress
After successful submission:
- Your data is verified by PHATA
- Land ownership is confirmed via PLRA and other authorities
- PMT score is checked through NADRA/NSER databases
- You’ll receive an SMS update about approval, delay, or rejection
- You can log into the portal and track your status using your CNIC
Benefits of the Loan Scheme
- No markup, unlike commercial home loans
- Government pays the major portion (60%) of construction cost
- Ownership is guaranteed after successful installment completion
- Safe and legal structure supervised by PHATA
- Home designs approved for long-term stability
- Boost to employment in construction and development sectors
Common Mistakes to Avoid While Applying
- Submitting incorrect CNIC or documents
- Ignoring SMS alerts for verification
- Applying with SIM not registered under CNIC
- Delaying re-verification requests from PHATA
- Using unofficial portals or agents
Note: All registration methods are 100% free. Do not pay any agent or third party.
Helpline & Contact Information
For complaints, queries, or guidance, contact the official helpline:
- Helpline Number: 042-99213419, 99213428
- Email Support: info@phata.punjab.gov.pk
- Visit your nearest housing support center or PITB district office
You can also file queries through the online portal’s support section.
Frequently Asked Questions (FAQs)
Conclusion
The Apni Chat Apna Ghar 2025 scheme is a historic move by the Punjab government to help middle and lower-income families move from uncertainty to ownership. With minimal financial burden and full government backing, this is your chance to build a legal, safe, and permanent home—even if you’re starting from scratch.
If you qualify, don’t wait. Apply today, submit accurate information, and take your first step toward owning your own roof—interest-free, stress-free.